RDA Limestone Coast RegionCommunity profile
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Limestone Coast region

Housing loan repayments

In the Limestone Coast region, 5.5% of households with a mortgage were making high loan repayments of $2,600 or more per month in 2011.

Mortgage repayments are directly related to house prices in the Limestone Coast region, length of occupancy and the level of equity of home owners. When viewed with Household Income data it may also indicate the level of housing stress households in the community are under. In mortgage belt areas it is expected that households will be paying a higher proportion of their income on their housing compared to well-established areas. First home buyer areas are also likely to have larger mortgages than upgrader areas where households move in with equity from elsewhere.

Mortgage payment levels are not directly comparable over time because of inflation. For comparison of mortgage payments over time, go to Housing Loan Quartiles.

Derived from the Census questions:

'How much does your household pay for this dwelling?' and 'Is this dwelling (owned outright, owned with a mortgage etc.)'

Households with a mortgage

Monthly housing loan repayments
Limestone Coast region - Households (Enumerated)2011
Monthly repayment amountNumber%Regional SA %
Nil repayments3223.83.4
$1-$149470.60.8
$150-$2991261.52.1
$300-$4493834.55.5
$450-$5994154.95.4
$600-$7998469.99.5
$800-$9991,05112.310.8
$1000-$11991,03712.111.1
$1200-$13991,09412.810.8
$1400-$15997148.48.1
$1600-$17996888.17.7
$1800-$19993153.74.4
$2000-$21993854.55.4
$2200-$23991341.62.1
$2400-$2599780.91.3
$2600-$29991641.92.6
$3000-$39991742.02.6
$4000-$4999550.60.8
$5000 and over770.90.8
Not stated4365.15.0

Source: Australian Bureau of Statistics, Census of Population and Housing 2011. Compiled and presented in profile.id by .id , the population experts.

Monthly housing loan repayments, 2011
Monthly housing loan repayments, 2011 $5000 and over, Regional SA: 0.8% $4000-$4999, Regional SA: 0.8% $3000-$3999, Regional SA: 2.6% $2600-$2999, Regional SA: 2.6% $2400-$2599, Regional SA: 1.3% $2200-$2399, Regional SA: 2.1% $2000-$2199, Regional SA: 5.4% $1800-$1999, Regional SA: 4.4% $1600-$1799, Regional SA: 7.7% $1400-$1599, Regional SA: 8.1% $1200-$1399, Regional SA: 10.8% $1000-$1199, Regional SA: 11.1% $800-$999, Regional SA: 10.8% $600-$799, Regional SA: 9.5% $450-$599, Regional SA: 5.4% $300-$449, Regional SA: 5.5% $150-$299, Regional SA: 2.1% $1-$149, Regional SA: 0.8% Nil repayments, Regional SA: 3.4% $5000 and over, Limestone Coast region: 0.9% $4000-$4999, Limestone Coast region: 0.6% $3000-$3999, Limestone Coast region: 2.0% $2600-$2999, Limestone Coast region: 1.9% $2400-$2599, Limestone Coast region: 0.9% $2200-$2399, Limestone Coast region: 1.6% $2000-$2199, Limestone Coast region: 4.5% $1800-$1999, Limestone Coast region: 3.7% $1600-$1799, Limestone Coast region: 8.1% $1400-$1599, Limestone Coast region: 8.4% $1200-$1399, Limestone Coast region: 12.8% $1000-$1199, Limestone Coast region: 12.1% $800-$999, Limestone Coast region: 12.3% $600-$799, Limestone Coast region: 9.9% $450-$599, Limestone Coast region: 4.9% $300-$449, Limestone Coast region: 4.5% $150-$299, Limestone Coast region: 1.5% $1-$149, Limestone Coast region: 0.6% Nil repayments, Limestone Coast region: 3.8%
Source: Australian Bureau of Statistics, Census of Population and Housing, 2011 (Enumerated data)
Compiled and presented in profile.id by .id, the population experts.

Dominant groups

Analysis of the monthly housing loan repayments of households in the Limestone Coast region compared to Regional SA shows that there was a smaller proportion of households paying high mortgage repayments ($2,600 per month or more), and a similar proportion of households with low mortgage repayments (less than $1000 per month).

Overall, 5.5% of households were paying high mortgage repayments, and 37.3% were paying low repayments, compared with 6.7% and 37.4% respectively in Regional SA.

The major differences between the household loan repayments of the Limestone Coast region and Regional SA were:

  • A larger percentage of $1200-$1399 (12.8% compared to 10.8%)
  • A larger percentage of $800-$999 (12.3% compared to 10.8%)
  • A larger percentage of $1000-$1199 (12.1% compared to 11.1%)
  • A smaller percentage of $300-$449 (4.5% compared to 5.5%)
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